1st Equity Bank

Skokie, IL · Cert 34393 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · First Equity Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$130.0MAssets

$98.3MLoans

$87.7MDeposits

$21.6MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 56).
Widest gap: return on equity trails 54% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 57).
Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.07%

Rank 25 of 57

Net Interest Margin

3.65%

Rank 28 of 57

Efficiency Ratio

66.65%

Rank 25 of 57

Equity / Assets

16.58%

Rank 9 of 57

Unfavorable gap of $2.8M · efficiency ratio beats 58% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.07%	0.51%	0.84%	1.19%	Beats 56%	25 / 57
Return on Equity	6.43%	3.13%	7.76%	11.40%	Beats 46%	31 / 57
Net Interest Margin	3.65%	3.16%	3.63%	4.08%	Beats 51%	28 / 57
Efficiency Ratio	66.65%	59.57%	69.70%	81.06%	Beats 58%	25 / 57
Asset Quality
Nonperforming Loans / Loans	0.00%	0.06%	0.34%	1.78%	Beats 100%	9 / 56
Net Charge-Offs / Loans	0.00%	n/a	0.00%	0.01%	Beats 100%	24 / 56
Capital
Tier 1 Capital Ratio	21.22%	12.24%	16.06%	19.69%	Beats 75%	14 / 57
Total Risk-Based Capital Ratio	22.48%	12.54%	16.50%	20.95%	Beats 77%	13 / 57
Equity / Assets	16.58%	9.37%	11.56%	15.00%	Beats 84%	9 / 57
Liquidity & Funding
Loans / Deposits	112.14%	66.29%	85.59%	95.16%	89th pctl	6 / 57
Loans / Assets	75.62%	57.07%	71.07%	78.13%	63rd pctl	21 / 57
Brokered Deposits / Deposits	n/a	Not reported for this institution